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    Banking with Interest

    Hosted by Rob Blackwell

    Episode 22: “A Source of Fuel for This Economy”: How Nova Credit Is Fixing a Key Lending Problem

    September 1, 2020

    Misha Esipov, the founder and CEO of Nova Credit, discusses how he helped to build the world’s first cross-border consumer credit reporting agency, why immigrants are critical to economic growth in the U.S., and how credit history is key to addressing economic disparities.

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    Episode 21: The Future of CRE Lending: Just How Bad Is It Going to Get?

    August 25, 2020

    Matt Anderson, managing director with Trepp, answers critical questions about the future of commercial real estate, including how deep the losses may be, what institutions are most vulnerable, and what banks should be doing to prepare for the potential damage.

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    Episode 20: Another Charter Fight is Brewing: Iowa Banking Regulator Jeff Plagge

    August 18, 2020

    Jeff Plagge, the Iowa Superintendent of Banking, talks about the growing tensions between the OCC, which wants to offer a national charter for payments companies, and state regulators, who believe it would be systemically risky to do so. Plagge also discusses the potential credit impact of COVID-19 on commercial real estate and agricultural lending.

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    Episode 19: “The Champion of Free Enterprise”: Texas Security Bank’s Scheef

    August 11, 2020

    Craig Scheef, the founder, chairman and CEO of Texas Security Bank in Dallas, talks about his bank’s unique approach to small business lending, how the institution successfully doubled its asset size thanks to the PPP program, and why he believes policymakers underestimate the value of a free enterprise system.

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    Episode 18: From Community Organizer to Community Banker: Berkshire’s Malia Lazu

    August 4, 2020

    Malia Lazu, the chief experience and culture officer at $13.1 billion-asset Berkshire Bank in Boston, talks about why banks often fail to reach millennial and minority customers, the challenges facing community banks, and the future of the branch.

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    Episode 17: “A Very Dangerous Place for Bankers and Consumers”: CBA’s Hunt on CFPB Leadership Rulin

    July 28, 2020

    Richard Hunt, the head of the Consumer Bankers Association, talks about the impact of a recent Supreme Court decision that said the CFPB’s leadership structure was unconstitutional, and why he fears it will inhibit banks from offering small-dollar loans. He also discusses the OCC’s final CRA reform rule, why there’s a coin shortage in the U.S. and the future of banking and branches after COVID-19.

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    Episode 16: Wait, Is Housing Finance Reform Actually Going to Happen?

    July 21, 2020

    It’s been nearly 12 years since Fannie Mae and Freddie Mac were seized by the government, with Congress unable or unwilling to resolve the future of the two government-sponsored enterprises. But there are signs GSE reform may happen soon, with or without Congress.

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    Episode 15: How Can Banks Shake Off Digital Inertia?

    July 14, 2020

    Patrick Sells, the chief innovation officer at Quontic Bank and American Banker’s Digital Banker of the Year, pushes back on the perception that banks aren’t innovative. He explains how to get bank employees on board with a digital overhaul and the biggest obstacles to ingenuity in banking.

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    Episode 14: “The Only Way Out Of This Is Opportunity For Everybody”: John Bryant On A New Marshall Plan for America

    June 30, 2020

    John Hope Bryant, the founder, chairman and CEO of Operation HOPE, the largest not-for-profit provider of financial literacy and financial inclusion, details his ambitious plan to confront economic inequality. He also talks about the legacy of banks and slavery—and what banks need to be doing to deal with that.

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    Episode 13: The Biggest Risk to the Financial System Probably Isn’t What You Think

    June 23, 2020

    Karen Shaw Petrou, managing partner of Federal Financial Analytics, who has been hailed as “the sharpest mind analyzing bank policy today,” says banks and policymakers need to focus on economic inequality before it’s too late. She discusses her proposed solution and what happens if we don’t act in time.

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    Episode 12: “A Lightning Rod for Change:” How COVID Is Accelerating Digital Banking

    June 16, 2020

    The crisis has forced customers to change how they bank—and that’s creating opportunities for banks ready to seize them, according to Elizabeth Wolverton, the chief strategy and customer experience officer at Synovus Bank in Columbus, Georgia. Liz also discusses why inclusion and diversity are so important to the industry’s future.

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    Episode 11: “Banks Need to Be Part of the Solution:” New OCC Head on Protests, COVID Crisis

    June 10, 2020

    Acting Comptroller Brian Brooks talks about a new project aimed at helping with economic inclusion and the role of banks in combating economic inequality. He also discusses his plans for a federal charter for payment companies and explains why he warned mayors around the country about possible credit problems at banks if small businesses are not allowed to reopen and responds to criticism of the recently-finalized Community Reinvestment Act reform rule.

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    Episode 10: “A chance for banks to change the narrative:” Citigroup Chair John Dugan

    June 2, 2020

    John Dugan, the chairman of Citigroup’s board of directors, says the future of banking turns on the industry’s pandemic performance. It will affect how regulators oversee them, how shareholders invest, and how the public feels about banks. The former Comptroller of the Currency doesn’t underestimate the challenges, but he is optimistic that banking will emerge from this crisis with its reputation enhanced.

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    Episode 9: “That Reckoning Is Absolutely Happening”: Venture Capitalist Hans Morris on the Future of Fintech

    May 26, 2020

    Hans Morris, the managing partner of Nyca Partners and the chairman of Lending Club, discusses the impact the COVID crisis is having on fintechs and how the financial services sector is likely to evolve.

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    Episode 8: “A Wakeup Call to All of Us”: Richard Cordray on COVID and Consumers

    May 19, 2020

    The former director of the Consumer Financial Protection Bureau and author of the book “Watchdog” talks about the financial risks posed to consumers during the current crisis and what steps policymakers should be taking to address them. He also offers his predictions on what a pending Supreme Court ruling could mean for the CFPB and reveals why the Trump administration balked from ousting him while he was the agency’s leader.

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    Episode 7: How the Lessons of WWII Can Help the U.S. Fight COVID

    May 12, 2020

    Tim Massad, a top Obama administration financial regulator and former head of TARP, says we should look to actions taken by the Roosevelt administration to reframe the government’s response to the coronavirus. He also discusses whether the U.S. needs its own digital currency, why we lag behind on real-time payments and how airlines got a sweetheart deal.

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    Episode 6: Banking “Could Be Different on the Other Side of This”: ICBA chairman

    May 5, 2020

    Noah Wilcox, the chairman of the ICBA and CEO of two Minnesota community banks, talks about the disastrous relaunch of PPP, what policymakers need to do going forward, and how community banks are faring overall during the crisis.

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    Episode 5: How COVID Is Changing Goldman Sachs' Digital Bank

    April 28, 2020

    Harit Talwar, the head of digital finance for Goldman Sachs, talks about how customers are changing their financial activity in response to the coronavirus. He also discusses Marcus' new app, provides details about its partnerships with Apple and JetBlue, and hints where it is headed next.

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    Episode 4: Ludwig: "A Unique Time in History to Accomplish Good"

    April 23, 2020

    Barbara Rehm talks to Gene Ludwig, a former comptroller of the currency and now chairman and CEO of Promontory Financial Group, about what banks and the government should be doing to help the economy recover. "We have to act with boldness."

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    Episode 3: Mark Cuban on Fixing PPP and Rebooting America

    April 21, 2020

    In an in-depth interview, entrepreneur and Shark Tank co-star Mark Cuban talks about what went wrong with the Payment Protection Program, how policymakers can fix it, and why big banks turned from hero to villain in this crisis. He also touches on possible presidential ambitions and his vision for the future of America.

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    Episode 2: “Jumping Out Of A Plane Without A Parachute”

    April 14, 2020

    Jill Castilla, the president and CEO of Citizens Bank of Edmond in Oklahoma, talks about her collaboration with Mark Cuban of Shark Tank, how the PPP program has worked for her institution and other ways she’s trying to help those affected by the spread of the coronavirus.

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    Episode 1: “Capital and Asset Quality Are King”: A Candid Conversation with Cam Fine

    April 7, 2020

    In the first episode of Banking With Interest, a new financial services podcast by Promontory Interfinancial Network, host Rob Blackwell talks to former ICBA President and CEO Cam Fine about the challenges facing banks during the current COVID-19 crisis. What should community banks and other financial institutions be doing at a time like this? What kinds of banks are going to be hit hardest? Will there be bank failures? Cam offers frank talk during troubled times.

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    The information, views, and opinions expressed during the Banking with Interest podcast belong solely to Rob Blackwell and his guests and do not represent those of Promontory Interfinancial Network, LLC, its directors, management, or employees. Any ideas and strategies contained within the podcast are for informational purposes only and do not constitute legal or investment advice. Music provided by Pond5.com.